Applications / Mortgage Analytics / Lenders / New Hampshire / Harborone Mortgage
Manchester, NH · Non-bank subsidiary of a bank · CFPB · 1,386 loans in 2025
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1,386
loans originated, 2025
1,915
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Harborone Mortgage is a New England lender of larger-than-usual loans whose volume, 1,386 loans in 2025, is far below the 9,026 it made in 2020.
Its typical loan was $415,000, against $305,000 at similar lenders (non-bank subsidiaries of banks making between half and twice as many loans), larger than about four in five of them. Conventional loans made up 89.2% of its lending, against 73.9%, and loans larger than the conforming limit 4.9%. Few of its loans were higher-priced, with a rate well above the average for similar loans: 0.3%, against 1.5%.
Its loans fell 11% in 2025, while similar lenders slipped 2% and the whole market grew 10%. Its share moved both ways: in Manchester-Nashua, NH, where it ranks 19 of 344, its share fell from 1.6% to 1.4%, while in Providence it rose from 0.6% to 0.8%. The fall in its own volume could account for the loss in New Hampshire.
Only 15.2% of its loans were in low- and moderate-income neighborhoods, against 20.3% at similar lenders, and 6.0% in majority-minority neighborhoods, against 19.2%. Both are lower than about four in five of them. One possible reason is the set of markets it serves, centered on Massachusetts and New Hampshire. With only 12 similar lenders, the comparison is rough.
In 2025 it made its first loans in Pinehurst-Southern Pines and Hickory-Lenoir-Morganton, NC, and Hilton Head Island-Bluffton-Port Royal, SC. Each holds only a few of its loans so far, too few to read much into.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Harborone Mortgage took 1,915 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.6% · Refinance 17.3% · Other 0.6% · Home improvement 0.5%
Conventional 89.2% · FHA 8.6% · VA 1.9% · USDA (RHS or FSA) 0.2% · of 1,386 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Massachusetts | 674 | 48.6% |
| New Hampshire | 317 | 22.9% |
| Rhode Island | 159 | 11.5% |
| Maine | 90 | 6.5% |
| New Jersey | 68 | 4.9% |
| Florida | 37 | 2.7% |
| Connecticut | 15 | 1.1% |
| Vermont | 10 | 0.7% |
| North Carolina | 8 | 0.6% |
| Pennsylvania | 5 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 243 |
| Providence-Warwick | 222 |
| Cambridge-Newton-Framingham | 197 |
| Manchester-Nashua | 118 |
| Rockingham County-Strafford County | 87 |
| Worcester | 71 |
| Portland-South Portland | 46 |
| Amherst Town-Northampton | 32 |
| Barnstable Town | 28 |
| Lakewood-New Brunswick | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DAUXQ2DCY4H838 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3868694 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 342802284 | |
| Respondent ID (the HMDA filer code before 2018) | 77659900002 | 1994–2010 |
| Respondent ID (the HMDA filer code before 2018) | 742802284 | 2011–2014 |
Established 29 June 2015. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Harborone Mortgage's data.
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